ZIP Code 87108 — Albuquerque city, NM Demographics & Data

ZIP code 87108 covers Albuquerque, NM in Bernalillo County with a population of about 35,985.

At a glance, the area shows median age of 39.2 (near the U.S. median).

It sits in telephone area code 505; U.S. House district NM-1; the ALBUQUERQUE - SANTA FE media market.

Albuquerque, NM sits in a university / college context (near pima medical institute-albuquerque (2.4 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 87108 is about $39,578 — about 47% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 29.5%; unemployment rate near 9.6%; 33.3% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 10.3% of workers reporting work-from-home (about 4.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $227,600 — about 35% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $755 (about 35% below the U.S. median rent ($1,163)), and owner-occupancy near 37.8% (about 27.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 87108 in Albuquerque, NM, a household would need roughly $63,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,462. That is about 59% above the local median household income ($39,578), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Albuquerque city, NM as Relatively High (composite score 94.4), which is among the highest nationally. The strongest component scores on US5 are flood (96.3) and wildfire (95.0). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Albuquerque city, NM show little to no average snow and around 8.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,136 for ZIP 87108 (Albuquerque city, NM) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.